Life Insurance In Michigan

Do you live in Michigan and you’d like to have a life insurance policy? I’m humbled to tell you that you have found the right people. Life insurance is one of the most important insurance policies you should have. Before purchasing life insurance, it is important to understand what it is and why it’s important.

Do I really need a life insurance policy?

This is one of the most asked questions both to the insurance agencies and on the internet as well. Some people think it’s seen as a bad thing to even think about dying anytime soon. Unfortunately, this is the reality and no matter how much we try to avoid it, each and every one of us must go through at some point in time. The last thing any serious parent would want is to die and leave their family suffering simply because they choose to turn a blind eye to the inevitable.

Life assurance policy is what some would refer to a backup plan. Life is full of risk and surprises and nobody knows neither the day or the time when it will be all over. Life assurance is therefore meant to ensure that there will be continuity in your family even after the loss of an individual, especially if that person, was the breadwinner of the family. There is no greater pain as having to bear the loss of your loved one and at the same time your primary source of livelihood.

You will find that there are many types of life insurance, but they generally fall into two
categories: Term and Permanent insurance.

Term Insurance is designed to meet temporary needs. It provides protection for a specific period of time (or “term”) and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you need coverage that will no longer be needed at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

Permanent Insurance provides lifelong protection. You will receive payment on the full value, providing you pay the premiums, and take no loans, or withdrawals. Permanent life insurance is designed to encompass the span of a lifetime, therefore accumulates cash value. For this reason, it is priced for you to hold on to over a long period of time.

Why You Need Life Insurance

A life insurance policy is one of the best forms of protection you can purchase. This is because life insurance provides a sense of security for your family. If you live in Michigan and you’re looking for a company you can trust with an owner who truly cares about your specific needs, look no further, Randy and his team are committed to serve and take care of you every step of the way.

With one of the best Customer Service Teams in the industry, your first contact with Randal McCoy Insurance will be handled with a sense of urgency and personal service second to none, with your best interest always being number one.

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